Media Release
Mangaluru, Apr 28: MCC Bank Ltd held an Interstate Banking Conclave at Courtyard by Marriott, Goa, on April 25 and 26 for the top management, branch managers, credit officer, and upcoming managers along with board of directors. The event gathered prominent banking professionals, leaders, and community representatives to discuss the changing banking landscape and promote interstate cooperation.
The conclave was chaired by Sahakara Ratna Anil Lobo, chairman of MCC Bank Ltd. Attendees included Fr Vijay Machado, executive secretary of the Commission for Catechetics, Benaulim, Goa; Gopal Krishna Y Nayak, managing director of Goa Urban Cooperative Bank Ltd; CA Lionel Aranha, chartered accountant, arbitrator, and visiting professor at IIM Kozhikode; Walter Nandalike, managing director of Daijiworld Media Pvt Ltd; Dr Vincent Alva, principal of Milagres College, Kallianpur; and Sunil Menezes, general manager of MCC Bank Ltd.
In his presidential address, Sahakara Ratna Anil Lobo warmly welcomed all dignitaries, speakers, and participants. He appreciated their presence at the conclave and highlighted the steady growth of MCC Bank over the years, attributing its success to strong leadership, dedicated staff, and the unwavering trust of its customers.
Discussing the bank’s future vision, he stressed the importance of a progressive, forward-looking mindset amid rapid changes in the banking sector. He noted that traditional banking is evolving and that institutions must be ready to embrace innovation, digital transformation, and improved customer service standards. He emphasised the significance of strategic planning, timely execution, and adaptability for sustained growth and competitiveness.
Anil Lobo also discussed the bank’s ambitions for multistate expansion. He stated that such growth requires not only regulatory compliance and financial strength but also a unified and committed team effort. He urged employees and stakeholders to align themselves with the bank’s long-term vision and work together towards higher standards of excellence.
Highlighting the importance of internal strength, he emphasised capacity building, staff training, accountability, and transparency. He encouraged the team to stay proactive, embrace change positively, and uphold the core values of trust, integrity, and customer-centred service.
Motivating the gathering, he observed that every person connected with the Bank plays a vital role in shaping its future. He said, “We are the chosen ones entrusted with the responsibility of taking MCC Bank to greater heights.” He concluded by expressing confidence that, with dedication, unity, and a clear vision, the bank would continue to grow and reach new milestones.
In his inaugural address, Fr Vijay Machado praised MCC Bank for its consistent growth, sound management, and dedication to trust and service. He highlighted the bank’s role in strengthening the community and urged stakeholders to step outside their comfort zones with clarity of vision and mission. Emphasising the importance of values in a competitive world, he outlined ten guiding principles for success, including faith, teamwork, prudence, ongoing evaluation, and a positive attitude.
Gopal Krishna Y Nayak discussed the challenges faced by cooperative banks amid increasing competition from public sector and new-generation banks. He commended MCC Bank’s resilience in adapting to technological advancements, digital transformation, and cybersecurity needs despite rising operational costs. He underlined the significance of capital adequacy, sound governance, and strategic decision-making at the board level, noting that customer trust remains the cornerstone of sustainable banking. He also voiced confidence that MCC Bank has the potential to become a strong interstate bank in the near future.
Walter Nandalike, managing director of Daijiworld Media Pvt Ltd, led a session on ‘Leadership without Title’, while CA Lionel Aranha conducted a session on ‘A Vigilant Manager’ on April 25.
During his session, Nandalike appreciated the organisers for running the programme systematically. Sharing his leadership experiences, he explained that in any organisation, including banking, there are three types of employees: disengaged, actively disengaged, and engaged. Referring to a survey, he noted that about 63% of employees are disengaged, 24% are actively disengaged, and 13% are engaged.
He offered several practical tips to managers, emphasising that every staff member should be recognised and appreciated for their work. He advised managers not to underestimate anyone and reminded them that the greatest limitations are often mental rather than physical. He encouraged the participants to think positively and nurture future leaders. He concluded with the concept of the three U’s: Update, Upgrade, and Uplift.
CA Lionel Aranha, in his session titled ‘A Vigilant Manager’, discussed CTR and STR compliance, TDS obligations, credit risk, gold loan management, maintaining personal relationships with customers, marketing strategies, and the use of artificial intelligence in banking. He emphasised the importance of writing down every suggestion and idea for implementation in a diary. He noted that this practice is useful when a manager is transferred to another branch, as it helps the incoming manager with easy reference and avoids unnecessary blame on the previous manager.
Dr Vincent Alva, principal, Milagres College, Kallianpur, conducted a session titled ‘Speak to Yourself and Not for Self’ on April 26. In his session, he spoke on communication and highlighted the importance of self-reflection. He stated that experience is the best teacher and urged participants to dream and progress, not merely to sleep. He described non-verbal communication as one of the most effective forms of communication today and underscored the value of diplomatic communication in banking. He also emphasised that silence can be a powerful form of communication and that open communication with colleagues is crucial, especially when managers face stress.
The conclave concluded with a valedictory programme held on April 26. The programme was presided over by Sahakara Ratna Anil Lobo. The dignitaries on the dais included CA Lionel Aranha, Walter Nandalike, Dr Vincent Alva, and general manager Sunil Menezes.
Andrew D’Souza, director of MCC Bank who celebrated his platinum birthday, his 75th, on March 4, was honoured with a shawl, a felicitation letter, and fruits. Deril Lasrado, senior manager, read out the felicitation letter. Andrew D’Souza expressed his gratitude for being honoured at the conclave held in Goa and thanked the chairman, board of directors, and staff for the recognition.
In his presidential address at the valedictory programme, chairman Anil Lobo stated that such conclaves are essential for branch managers. He described the event as historic, being the first of its kind in the bank’s history. He appreciated the performance of the branch managers and noted that their efforts had significantly contributed to the bank’s growth. He added that the conclave had enhanced their knowledge and thanked God for its success.
He emphasised that branch managers should strive to build fully engaged teams. As customers increasingly visit branches directly, managers should welcome them warmly, attend to their needs carefully, and train their colleagues to do the same. He stated that customers should always be treated with dignity. He further observed that managers are leaders in their respective branches and should work towards creating highly engaged employees.
He advised branch managers, especially those recently transferred, to familiarise themselves with customers at their new branches by obtaining customer lists and introducing themselves. Maintaining records through diaries and email correspondence, he said, would help in formulating effective policies for the bank’s growth. He also suggested that queries should be directed to the concerned departments and, where necessary, to top management. He added that if branches achieve their targets in the coming year, the bank might consider organising similar conclaves in future.
The branch managers, along with their staff, collectively achieved the targets set for the financial year 2025–26 and delivered commendable performance. The bank achieved 100% of its targets and crossed a business turnover of Rs 1,525 crores. Based on the strong performance through December 2025, management had decided in January to organise the conclave.
Anil Lobo reiterated that branch managers play a vital role in achieving targets, as they oversee 21 branches, while top management and the board of directors focus on evaluation and guidance. He encouraged the branch managers to keep striving for excellence and wished them success in reaching future targets. He also conveyed his wishes to Andrew D’Souza on his platinum birthday and expressed appreciation for D’Souza's valuable contribution to the bank as a director.
Speaking on the occasion, the guest speakers, Walter Nandalike, CA Lionel Aranha, and Dr Vincent Alva, thanked the management for giving them the opportunity to deliver sessions outside the state. They noted that the programme was well managed and well attended by participants.
On behalf of the managers, Sandeep Quadros, senior manager, Kundapur branch; Shiny Lasrado, branch manager, Kulshekar branch; Wilma J Sequeira, branch manager, Surathkal branch; and Alwyn Xavier D’Souza, IT head, shared their feedback. They stated that all the sessions were informative and useful for their daily work and for achieving branch targets. They thanked the management for organising such a meaningful conclave outside the state and expressed gratitude to the guest speakers for their valuable sessions.
On behalf of the directors, Anil Patrao, Sushanth Saldanha, Melwin Vas, Felix D’Cruz, and Irene Rebello shared their feedback. They stated that such conclaves are essential for branch managers to upgrade their skills, develop their mindset, and improve communication while working at their branches. They also thanked the chairman and the guest speakers for their valuable insights.
The chairman distributed certificates to all participants. He also presented mementoes to the chief guest and the guest speakers. The general manager presented a certificate of participation and a memento to the chairman as a token of gratitude.
The inaugural and concluding programmes ended with votes of thanks delivered by general manager Sunil Menezes and deputy general manager Raj Menezes, respectively. They expressed gratitude to all guests, speakers, and participants for their presence and contributions, which ensured the success of the conclave.
Ovin Rebello, branch manager, Brahmavar branch, welcomed the guests and the gathering and compered both programmes. The programmes commenced with a prayer and the ceremonial lighting of the lamp.
The Interstate Banking Conclave served as a significant platform for knowledge-sharing and dialogue, reaffirming MCC Bank’s commitment to innovation, governance, and community-oriented banking.